THE DATES THAT MATTER IN 2019 - HELPING TO INFORM YOUR CLIENT CONVERSATIONS - This information is for UK financial adviser use only and should not ...
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P R OT E C T I O N
THE DATES THAT
MATTER IN 2019
HELPING TO INFORM YOUR CLIENT CONVERSATIONS
This information is for UK financial adviser use only and should
not be distributed to or relied upon by any other person.
STARTTHE DATES THAT MATTER IN 2019 | CALENDAR
Throughout the year there are a number
of notable dates that highlight the need,
impact and importance of protection
throughout the UK. Whether they’re
health awareness days or changes to
legislation, they can act as valuable
talking points in your conversations
with clients and offer useful content to
support your own client engagement.
Please note: dates are correct at the time of publication
2019
however some are not yet fixed and others could change. Where
available, we’ve provided links to websites where you can find
out more information on the specific event or topic. Scottish JANUARY FEBRUARY MARCH APRIL
Widows are not responsible for these sites.
MAY JUNE JULY AUGUST
SEPTEMBER OCTOBER NOVEMBER DECEMBER
HOMETHE DATES THAT MATTER IN 2019 | JANUARY
JANUARY JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
1–31 Dry January 31 ABI Insurance & Trust in a New Age of
Healthcare Event
APRIL
14–20 National Obesity Awareness Week The deadline for filing your self-assessment tax return
31
online for the tax year ending 5 April 2018 and for paying
MAY
31 Young Carers Awareness Day
any tax owed.
JUNE
JULY
AUGUST
SEPTEMBER
Receiving an Annual Benefit Statement is the ideal time for your clients to review their protection OCTOBER
needs. If they don’t receive one, suggest doing this in January, as people are often more motivated to
get their finances in order at the start of the year. NOVEMBER
DECEMBER
Please click on icon to go to website HOMETHE DATES THAT MATTER IN 2019 | FEBRUARY
FEBRUARY JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
1–28 National Heart Month 1 Universal Credit no longer pays an additional amount
for a third or subsequent child, or qualifying young APRIL
1 National Wear Red Day (for children’s heart surgery) person born after the 6 April 2017 – unless special
exceptions apply. MAY
4 World Cancer Day
7 Defaqto 2019 Star Ratings Announced JUNE
7 Time to Talk Day
7 Professional Adviser Awards
11 International Epilepsy Day JULY
26 ABI Annual Conference
AUGUST
SEPTEMBER
Your clients might be interested to know that Critical Illness Insurance was actually invented by heart OCTOBER
surgeon Dr Marius Barnard. Dr Barnard created the cover after seeing the financial difficulties faced
by his patients following a serious illness. NOVEMBER
DECEMBER
Please click on icon to go to website HOMETHE DATES THAT MATTER IN 2019 | MARCH
MARCH JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
1–31 Ovarian Cancer Awareness Month 1–31 Free Wills Month APRIL
1–31 Prostate Cancer Awareness Month 1 World Wheelchair Day
MAY
1–31 Brain Tumour Awareness Month 7 LifeSearch Awards
JUNE
3–9 Hearing Awareness Week 8 International Women’s Day
4 World Hearing Day 12 No Smoking Day JULY
4–10 Endometriosis Awareness Week 13 Government will publish its Spring Statement AUGUST
11–18 Brain Awareness Week 14 Cover Mental Health Forum SEPTEMBER
16 Disabled Access Day 26 Mortgage Strategy Awards
OCTOBER
29 UK leaves the EU
NOVEMBER
31 Mother’s Day
TBC Cost of raising a child and value of a mum material DECEMBER
normally released.
Please click on icon to go to website HOMETHE DATES THAT MATTER IN 2019 | APRIL
APRIL JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
1–30 Bowel Cancer Awareness Month In April 2019 the Universal Credit Work Allowances will increase
for people with children or people with limited capability for work. APRIL
1–30 Loss of Limb Awareness Month
1 The national living wage – which was introduced in April
2016 – will increase from £7.83 to £8.21 an hour. This is
MAY
1–30 Stress Awareness Month the statutory national minimum wage (established in
1999) for those aged 25 and over. For 21 to 24 year-olds, JUNE
1–7 NHS Diabetes Prevention Week Campaign
the minimum wage will rise from £7.38 to £7.70. The rate
7 World Health Day – Theme is Depression for 18 to 20-year-olds will rise from £5.90 to £6.15, while JULY
the rate for 16 to 17-year-olds will rise from £4.20 to £4.35.
8–14 Parkinson’s Awareness Week 6 The new tax year AUGUST
Click here for details of the some of the changes that
11 World Parkinson’s Day may impact your clients. SEPTEMBER
16 World Stress Day 11 CII Consumer Trust Awards
OCTOBER
22–28 MS Awareness Week 20 The Swiss Re Term Watch Report released
NOVEMBER
DECEMBER
Please click on icon to go to website HOMETHE DATES THAT MATTER IN 2019 | THE NEW TAX YEAR
THE NEW TAX YEAR – 6 APRIL JANUARY
FEBRUARY
• The basic personal allowance will rise from £11,850 to • Clients could experience an increase in pay packet deductions
£12,500 – which should mean increased disposable income due to the latest change to the pension “automatic enrolment” MARCH
for millions of consumers. In the October 2018 Budget, the regime. This requires all employers to automatically enrol
Government claimed this £650 increase means that in eligible employees into a workplace pension into which both APRIL
2019–20 a typical basic-rate taxpayer will pay £130 less tax the employee and employer contribute. In Tax Year 2018-19,
than in 2018–19. Meanwhile, the starting point for 40% the total minimum amount paid in is 5% of qualifying earnings MAY
higher-rate tax for English, Welsh and Northern Ireland (typically 2.4% from the worker, 2% from their employer and
resident taxpayers will rise from £46,350 to £50,000. That 0.6% in tax relief). On 6 April this will rise to 8% – typically JUNE
translates into an £860 cut in income tax – though higher 4% from the employee, 3% from their employer and 1% in tax
national insurance contributions cut the net gain to about relief. It is estimated that someone earning around £27,000 JULY
£495 a year. That’s because the national insurance upper and paying in the auto-enrolment minimum will see their
earnings limit is linked to the higher-rate tax band for personal contribution rise from about £500 this year to
AUGUST
non-Scottish taxpayers, meaning that throughout the UK, around £835 in 2019-20.
employees will now pay a 12% rate on their earnings between
SEPTEMBER
£46,350 and £50,000 rather than the 2% previously.
Click for more information
OCTOBER
NOVEMBER
DECEMBER
HOMETHE DATES THAT MATTER IN 2019 | THE NEW TAX YEAR
THE NEW TAX YEAR – 6 APRIL JANUARY
FEBRUARY
• The tax regime changes for landlords continues, with the • Those receiving the full old basic state pension will now
breaks available for buy-to-let investors due to be reduced benefit from a weekly boost of £3.25 per week, with their MARCH
again. Landlords used to be able to deduct mortgage interest payment rising from £125.95 to £129.20. Meanwhile, the
and other finance-related costs from their rental income full new state pension – for those retiring from April 2016 APRIL
before calculating their tax liability. However, interest relief onwards – will rise from £164.35 to £168.60 a week.
– at the taxpayer’s highest marginal rate of income tax – is Click for more information MAY
gradually being replaced with a basic rate tax reduction.
From 2017, landlords set 75% of their buy to let finance costs • The Pension Lifetime Allowance will increase in line with JUNE
against their profits, benefitting from full tax relief no matter CPI inflation, rising from £1,030,000 to £1,055,000.
what rate of income tax they pay. They get 20% income tax Click for more information JULY
relief on the remaining 25% of their finance costs. From
April 2018, they can deduct just 50% of their finance costs
AUGUST
from profits, and get 20% tax relief on the other 50%. From
April 2019, the split will be 25% / 75%. Then from April 2020,
SEPTEMBER
landlords are restricted to basic rate tax relief on 100% of
their finance costs. The end result will be that the amount
OCTOBER
of tax owed by some landlords could double or even triple.
Click for more information
NOVEMBER
DECEMBER
HOMETHE DATES THAT MATTER IN 2019 | MAY
MAY JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
1–31 National Walking Month 8 Headline Money Awards APRIL
1–31 Action on Stroke Month 10 Cover Claims Convention
MAY
8 World Ovarian Cancer Day 10 Cover Customer Care Awards
BIBA (British Insurance Brokers Association)
JUNE
10 World Lupus Day 15–16
Conference
13–19 Dying Matters Week JULY
TBC The ABI is expected to release 2018 protection insurance
claim stats.
13–19 Mental Health Awareness Week AUGUST
TBC Swiss Re normally issues its Group Watch and Term
17 World Hypertension Day Watch data. SEPTEMBER
20–26 Dementia Action Week
OCTOBER
20–26 Children’s Hospice Week
NOVEMBER
31 World No Tobacco Day
DECEMBER
Please click on icon to go to website HOMETHE DATES THAT MATTER IN 2019 | JUNE
JUNE JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
1–30 MND Awareness Month 16 Father’s Day APRIL
3 National Cancer Survivors Day 26 Money Marketing Awards
MAY
7–15 British Heart Week 26 Women in Finance Awards
JUNE
10–16 Carers Week
10–16 Men’s Health Week JULY
10–16 Diabetes Week AUGUST
21 MND Awareness Day SEPTEMBER
OCTOBER
NOVEMBER
DECEMBER
Please click on icon to go to website HOMETHE DATES THAT MATTER IN 2019 | JULY
JULY JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
14 Disability Awareness Day 1 The Government now plans to start to transfer people
from existing benefits to Universal Credit between APRIL
July 2019 and December 2023.
The 12-month ‘grace period’ from the Universal Credit
MAY
1
Minimum Income Floor will be extended to all gainfully
self-employed claimants who are moved over to Universal JUNE
Credit by managed migration. It will only be extended to
new claimants from September 2020. JULY
3 Corporate Adviser Awards
AUGUST
3 Women in Financial Advice Awards
SEPTEMBER
10 British Insurance Awards
11 Protection Review Conference
OCTOBER
TBC FCA annual meeting. This tends to throw up interesting NOVEMBER
insights into FCA thinking. Although no exact date has yet
been set, in previous years they were held in mid-July. DECEMBER
Please click on icon to go to website HOMETHE DATES THAT MATTER IN 2019 | AUGUST
AUGUST JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
At the time of publication, no health awareness events were 15 A-level exam results. Higher education logistics and
planned for this month. funding planning are a focus. APRIL
29 The final deadline for mis-sold PPI complaints. MAY
JUNE
JULY
AUGUST
SEPTEMBER
OCTOBER
Enjoy the sun and take some time to review your CPD training requirements to check you’re on track. NOVEMBER
DECEMBER
Please click on icon to go to website HOMETHE DATES THAT MATTER IN 2019 | SEPTEMBER
SEPTEMBER JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
1–30 Leukaemia and Lymphoma Awareness Month Back to school. Remember, in England in particular, applications
for state secondary schools close in November, now is the time APRIL
1–30 World Alzheimer’s Month parents think about moving to good school catchment areas.
MAY
2–8 Organ Donation Awareness Week 15–18 Liberal Democrat Party Conference
22–25 Labour Party Conference
JUNE
10 World Suicide Prevention Day
21 World Alzheimer’s Day 29 SEPT Conservative Party Conference
JULY
– 2 OCT
27 Macmillan Cancer Support Coffee Morning
Dive In Festival
AUGUST
TBC
(The Festival for Diversity & Inclusion in Insurance)
29 World Heart Day SEPTEMBER
TBC Stand Up To Cancer
OCTOBER
NOVEMBER
DECEMBER
Please click on icon to go to website HOMETHE DATES THAT MATTER IN 2019 | OCTOBER
OCTOBER JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
1–31 Breast Cancer Awareness Month 1 The maximum rate at which deductions from
Universal Credit, to repay an advance payment APRIL
1–31 Lupus Awareness Month will be reduced from 40% to 30% of the
standard allowance. MAY
6–10 Back Care Awareness Week
10 Cover Protection & Health Summit JUNE
10 World Mental Health Day
LUCID (Life, Underwriting, Claims and
13–15
10 World Sight Day Insurance Doctors) Conference JULY
17 Health Insurance Awards
AUGUST
11 World Arthritis Day
SEPTEMBER
OCTOBER
NOVEMBER
DECEMBER
Please click on icon to go to website HOMETHE DATES THAT MATTER IN 2019 | NOVEMBER
NOVEMBER JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
1–30 Movember 12–18 Financial Capability Week APRIL
1–30 Lung Cancer Awareness Month 12 Purple Tuesday
MAY
1–30 Pancreatic Cancer Awareness Month 14 ILAG (Investment & Life Assurance Group) Dinner
Small Business Saturday – but let’s talk about
JUNE
1 National Stress Awareness Day 30
protecting micro-business and SME’s every day!
14–20 Children’s Grief Awareness Week JULY
30 The Help-To-Buy Isa will not be available to new savers
after this date. However, if your clients already have one,
14 World Diabetes Day
they can keep the account open and carry on paying into
AUGUST
it for another decade, and they have until 1 December
2030 to claim their government bonus. With this Isa, SEPTEMBER
which is for first-time buyers, for every £200 saved, the
government will contribute £50. A maximum of £3,000 OCTOBER
from the government can be earned this way.
TBC Budget Day NOVEMBER
TBC AKG Actuaries and Consultants announce star ratings. DECEMBER
Please click on icon to go to website HOMETHE DATES THAT MATTER IN 2019 | DECEMBER
DECEMBER JANUARY
FEBRUARY
HEALTH AWARENESS EVENTS OTHER NOTABLE DATES AND EVENTS MARCH
1 World Aids Day 9 FCA Senior Managers and Certification Regime extends to
intermediaries. APRIL
3 International Day of Persons with Disabilities
MAY
JUNE
JULY
AUGUST
SEPTEMBER
With the FCA Senior Managers and Certification Regime extending to intermediaries this month, make OCTOBER
sure you fully understand any requirements you may be personally accountable for putting into practise.
NOVEMBER
DECEMBER
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